本文選題：河南省 + 民間借貸　； 參考：《河南師范大學(xué)》2014年碩士論文

【摘要】：民間借貸易于變通又簡(jiǎn)捷迅速，吸引了大量社會(huì)上存在的零散資金，使之流入到不同領(lǐng)域，大大提高了資金的流通性和使用率，增強(qiáng)了資金的靈動(dòng)性，活躍了整個(gè)市場(chǎng)經(jīng)濟(jì)，填補(bǔ)了正規(guī)金融機(jī)構(gòu)的缺陷，為急需資金的中小微企業(yè)和個(gè)人提供方便的資金。 當(dāng)今社會(huì)經(jīng)過(guò)不斷發(fā)展，各個(gè)地區(qū)都已經(jīng)形成了其各自不同的鮮明特征。河南省作為地處中原、歷史悠久、農(nóng)業(yè)經(jīng)濟(jì)發(fā)達(dá)、傳統(tǒng)文化據(jù)主導(dǎo)地位的大省，省情具有鮮明的特點(diǎn)，其自身的民間借貸也呈現(xiàn)出了不同的特點(diǎn)。 河南省民間借貸市場(chǎng)自形成以來(lái)，形式快捷自由，發(fā)展勢(shì)頭迅猛，在有限的時(shí)間內(nèi)借貸數(shù)額逐年激增。民間借貸活動(dòng)多以中小微企業(yè)尋求貸款為主，參與主體廣泛，以熟人關(guān)系維系，從借款方到出借方再到中介方，或多或少都有相互熟識(shí)的關(guān)系。而在河南省內(nèi)的非正規(guī)金融機(jī)構(gòu)的發(fā)展也呈現(xiàn)出鮮明的特征：家族式的聯(lián)營(yíng)、關(guān)聯(lián)式的貸款圈比比皆是。河南省民間借貸市場(chǎng)為資金的流通提供了有力的支持，為正在發(fā)展中的中小微企業(yè)提供了一定的保障，也間接地提供了很多就業(yè)崗位，豐富了各個(gè)行業(yè)的發(fā)展，對(duì)整個(gè)經(jīng)濟(jì)市場(chǎng)起到了一定的促進(jìn)作用。 但是由于尚未形成穩(wěn)定的民間借貸市場(chǎng)，民間借貸活動(dòng)仍處于雛形階段，非正規(guī)金融機(jī)構(gòu)普遍存在規(guī)模小實(shí)力不夠的現(xiàn)象，整體呈現(xiàn)出初步發(fā)展、競(jìng)爭(zhēng)無(wú)序的狀態(tài)，導(dǎo)致利率失控、實(shí)踐中操作不規(guī)范的狀況頻發(fā)。 究其原因，分為內(nèi)因和外因兩個(gè)方面。就民間借貸市場(chǎng)自身來(lái)看，民眾普遍存在的逐利心理誘使不少參與者紛紛加入民間借貸市場(chǎng)，市場(chǎng)中存在的大量資金又為民間借貸活動(dòng)的產(chǎn)生提供了可能。就整體的經(jīng)濟(jì)發(fā)展?fàn)顩r來(lái)看，隨著經(jīng)濟(jì)的飛速發(fā)展整體經(jīng)濟(jì)已經(jīng)開(kāi)始伴隨有通脹的跡象，加之政策緊縮，，人們已經(jīng)不滿足于單純的銀行儲(chǔ)蓄，而是紛紛去尋求一種可以保證自己所擁有資金的價(jià)值的其他途徑，再加上高利潤(rùn)、高暴利的市場(chǎng)假象的迷惑，民間借貸得以快速發(fā)展。但是由于缺少相關(guān)的法制規(guī)范、監(jiān)管機(jī)制和具體政策的規(guī)范與引導(dǎo)，民間借貸并沒(méi)有朝著良性的方向發(fā)展。 為了使民間借貸市場(chǎng)可以有序的運(yùn)轉(zhuǎn)，不但要有相應(yīng)的法律法規(guī)支持，還要建立一套相對(duì)較為完善的監(jiān)管體制，同時(shí)也需要形成完備的風(fēng)險(xiǎn)防范機(jī)制，成立合作性的金融團(tuán)體共同發(fā)展，推進(jìn)民間借貸的專業(yè)化經(jīng)營(yíng)，而民間借貸的參與各方主體也需要轉(zhuǎn)變思想，保持理性觀念，不要被暴利假象迷惑，各方都積極努力的作為才能夠使民間借貸活動(dòng)正常發(fā)展，使民間借貸市場(chǎng)有序運(yùn)轉(zhuǎn)。
[Abstract]:Folk lending is easy to adapt and simple and rapid, attracting a large number of scattered funds that exist in society, making them flow into different fields, greatly increasing the circulation and utilization rate of funds, enhancing the cleverness of funds, and activating the entire market economy. Fill in the defects of formal financial institutions and provide convenient funds for small and medium-sized enterprises and individuals in need of funds. With the development of society, different regions have formed their own distinctive characteristics. Henan Province is located in the Central Plains, has a long history, developed agricultural economy, and the traditional culture is the dominant province, the provincial situation has distinct characteristics, its own folk lending has also shown different characteristics. Since the formation of the folk loan market in Henan Province, the form is fast and free, the development momentum is swift and violent, and the amount of loan is increasing year by year in the limited time. The folk lending activities are mostly small and medium-sized enterprises seeking loans, the main participants are extensive, to maintain the relationship between acquaintances, from the borrower to the intermediary, more or less familiar with each other. The development of informal financial institutions in Henan Province also presents distinct characteristics: the family type of joint venture, associated lending circles abound. The private lending market in Henan Province has provided strong support for the circulation of funds, provided certain protection for small and medium-sized microenterprises in the process of development, and indirectly provided a lot of jobs and enriched the development of various industries. To the entire economic market has played a certain role in promoting. However, due to the fact that a stable private lending market has not yet been formed, private lending activities are still in their infancy, and informal financial institutions generally have a phenomenon of small scale and insufficient strength, showing a state of preliminary development and disordered competition as a whole. Interest rate out of control, the practice of non-standard operation of the situation occurs frequently. The reason is divided into two aspects: internal cause and external cause. From the point of view of the private lending market itself, the popular profit-seeking psychology induces many participants to join the private lending market, and the existence of a large amount of funds in the market provides the possibility for the emergence of private lending activities. As far as the overall economic development is concerned, with the rapid development of the economy, the overall economy has begun to show signs of inflation, coupled with policy tightening, people are no longer satisfied with simple bank savings. Instead, they are looking for other ways to ensure the value of the money they own, coupled with the delusions of high-profit, high-profiteering markets that have allowed private lending to grow rapidly. However, due to the lack of relevant legal norms, regulatory mechanisms and specific policy norms and guidance, private lending has not developed in a benign direction. In order for the private lending market to operate in an orderly manner, it is necessary not only to have corresponding laws and regulations, but also to establish a relatively perfect regulatory system, and at the same time, to form a complete risk prevention mechanism. The establishment of cooperative financial organizations to jointly develop and promote the specialized management of private lending, and the parties involved in private lending also need to change their minds, maintain rational concepts, and not be deceived by profiteering. All the parties can make the private lending activities develop normally and make the private lending market run in an orderly way.
【學(xué)位授予單位】：河南師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4

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